Quote:
Originally Posted by sanspeur
Simple solution...Medicare is not health insurance...Get rid of free medicare for those over 65, and others that can afford the govt. premiums....We have no such thing here. I'm 70 and pay what every other single person does for my health care ($57 per month)...The US needs to model an affordable system on one that has been working well in other countries. There are several models that work well.
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People over 65 pay around $100 a month already for their part B Medicare, which is what pays for the doctor bills but, only 80 percent....the patient is responsible for the other 20 percent with no stop loss. They don't have to pay for part A once they hit 65 but, they still have deductibles they have to cover themselves each year. There's no prescription coverage unless the they buy part D. My mom is 89 and she paid a little over $30 a month for that and she still had a deductible of over $300 a year, some large co-pays of well over $100 for each 90 day supply.....depending upon the drug she was refilling....and then there's still a doughnut hole at a certain point, which is where you're coverage stops paying for the next couple thousand before it starts back up again. To cover the deductibles for part A and B and the 20 percent part B doesn't pay, my mom and dad......who's 90....had a supplement Medigap plan F that they paid another $371 a month for. Between the two of them, that adds up to about $600 a month in premiums and they still have to pay the deductible, the co-pays and cover doughnut hole on my mom's part D. That's become unaffordable for them so they had to recently switch to a Medicare HMO or better known as Medicare Advantage for their suppemental coverage . The 500 billion over ten years that's suppose come out of Medicare to fund Obamacare, is mostly going to be taken from Medicare Advantage payments to the insurers that provide it. So the Medicare Advantage they just started, they pay about $200 a month for now but, it can rack up some very large co-pays....especially if you go in the hospital...several thousand. Who knows what the co-pays will be or how good the coverage will
be after the 500 billion gets reduced from the payments that subsidize it.
Does ths give you an idea of how free the free Medicare is for people over 65.
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